How much goes into your KiwiSaver — and from where — determines how your balance grows over time. This section covers every aspect of KiwiSaver contributions: the five contribution rates, how employer and government contributions work, and how to make the most of each dollar.
In This Section
- KiwiSaver Contribution Rates Explained
- Employer KiwiSaver Contributions Explained
- Government KiwiSaver Contribution (Member Tax Credit)
- How Much Should I Contribute to KiwiSaver?
- KiwiSaver 3% vs 4% vs 6% vs 8% vs 10%
- Voluntary KiwiSaver Contributions
- How to Increase KiwiSaver Contributions
- KiwiSaver Contribution Holiday
- KiwiSaver Contributions on Parental Leave
- KiwiSaver Contributions While on ACC
- Are Bonus Payments Subject to KiwiSaver Contributions?
- ESCT — Tax on Employer KiwiSaver Contributions
- How KiwiSaver Employer Contributions Are Calculated
- KiwiSaver Temporary Contribution Rate Reduction NZ 2026
- Catch-Up KiwiSaver Contributions
- KiwiSaver and Casual Employees
For a broad overview of how KiwiSaver works, see the KiwiSaver Complete Guide NZ.